There is a very very narrow set of rules that you absolutely have to follow to even be able to live peacefully here. Be born at least middle class, go to good schools, pursue the right degrees, go to corporations, make no mistakes in life and then finally retire in a retirement home paying thousands a month.
Steer from the above path and you'll start seeing things like mistakes in IRS filings or a medical issue or a pre-existing condition or a divorce or a bankruptcy or an unmangeable debt or a gap in career.....you know, normal human problems, you are screwed.
And then there are man-made problems like jail without bail, lawsuits flying around, guns, crime.
Notice there is no place in society for teachers, small-time healthcare professionals, career in arts etc.